The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$58,040
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,846
−HK$1,834/mo
Today · 4.125%
HK$61,680
baseline
▲ 0.50% · 4.625%
HK$65,433
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,360/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,569
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,301
−HK$1,757/mo
Today · 4.125%
HK$68,058
baseline
▲ 0.50% · 4.625%
HK$71,645
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,116/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,648
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,815
−HK$2,201/mo
Today · 4.125%
HK$74,016
baseline
▲ 0.50% · 4.625%
HK$78,519
+HK$4,503/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,032/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,483
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,561
−HK$2,108/mo
Today · 4.125%
HK$81,669
baseline
▲ 0.50% · 4.625%
HK$85,974
+HK$4,305/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,338/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,256
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,784
−HK$2,568/mo
Today · 4.125%
HK$86,352
baseline
▲ 0.50% · 4.625%
HK$91,606
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,704/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,397
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,821
−HK$2,460/mo
Today · 4.125%
HK$95,281
baseline
▲ 0.50% · 4.625%
HK$100,303
+HK$5,022/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,562/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,472
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,722
−HK$3,302/mo
Today · 4.125%
HK$111,024
baseline
▲ 0.50% · 4.625%
HK$117,779
+HK$6,755/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,048/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,224
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,342
−HK$3,162/mo
Today · 4.125%
HK$122,504
baseline
▲ 0.50% · 4.625%
HK$128,961
+HK$6,457/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,008/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,768 · Scale 2, in force from 26 Feb 2026)